Ribeiro, Gonçalo SommerDurão, Matilde Luisa Muller Valério2025-02-252025-02-252024-01-252023-12-19http://hdl.handle.net/10362/179748The "Teya – European Payments Market Report 2023" provides a comprehensive analysis of the European consumer-to-business payments market. Centred on the notable growth of payment cards and Alternative Payment Methods, the report assesses market dynamics, including consumers and merchants payment preferences across various EU markets. Introducing an innovative model to estimate social costs, the report emphasises existing data gaps, the lack of transparency, and the need for future research. This systematic exploration significantly advances the understanding of the complex dynamics underpinning the efficiency of the European C2B payments market.engConsumer preferencesMerchant preferencesEuropePayment instrumentsC2b marketmaster thesis203865863